Morris Bank at a glance, 2025
Every figure is from the lender's own HMDA filing. "vs national" compares with all lenders combined.
How the F grade breaks down
Each component is a percentile rank among 1,883 small mortgage lenders. Higher is better. Components the lender does not report are left out and the weights redistributed.
Approval oddsdecision denial rate, weight 45%
12th25.5% deniedProcesswithdrawn + incomplete share, weight 15%
10th25.5%Trend, 2023–2025
| Year | Applications | Originated | Denial rate | Decision denial | Median rate | Volume |
|---|---|---|---|---|---|---|
| 2023 | 343 | 237 | 16.3% | 18.5% | — | $69M |
| 2024 | 240 | 154 | 16.7% | 20.0% | — | $27M |
| 2025 | 263 | 142 | 19.0% | 25.5% | — | $45M |
What Morris Bank lends
Applications by purpose and loan type in 2025, with the denial rate for each. A lender's mix explains a lot of its headline rate: HELOCs and FHA loans are denied far more often than conventional purchase loans.
By loan purpose
By loan type
Also: 0 home-equity lines, 0 reverse mortgages, 39 manufactured homes, 121 investment properties.
Who gets approved at Morris Bank
Decision denial rate by applicant profile. Groups with fewer than 20 applications are omitted.
| Applicant income | Applications | Originated | Decision denial rate |
|---|---|---|---|
| Under $50k | 25 | 7 | 66.7% |
| $50k – $100k | 50 | 17 | 48.5% |
| $100k – $150k | 35 | 10 | 52.4% |
| $150k – $250k | 42 | 13 | 30.4% |
| Over $250k | 23 | 11 | 15.4% |
| Applicant age | Applications | Originated | Decision denial rate |
|---|---|---|---|
| 25–34 | 29 | 8 | 46.7% |
| 35–44 | 38 | 12 | 36.8% |
| 45–54 | 35 | 12 | 52.0% |
| 55–64 | 35 | 12 | 40.0% |
| 65–74 | 21 | 11 | 35.3% |
Where Morris Bank lends
5 states and 48 counties in 2025. Click a state for the lender's full record there.
Frequently asked questions
Morris Bank denied 25.5% of the applications it decided on in 2025. The national figure across all lenders was 22.6%. On approval odds it ranks in the 12th percentile of small mortgage lenders.
In 2025, 58% of its applications were for home purchases, 25% for refinancing (including cash-out), and 16% for home improvement or other purposes. By loan type: 86% conventional, 8% FHA, 4% VA.
Every figure on this page comes from the Home Mortgage Disclosure Act (HMDA) Loan/Application Register published by the CFPB, which lenders are required by federal law to file. We add the grade and the comparisons; we do not add facts.